“A study on Stress Behind the Swipe: Managing Post-Purchase Financial Burden”

Abstract

The rapid growth of digital payment systems and easy access to credit have revolutionized the way people make purchases. As paying by card or other quick methods is so convenient, most shoppers give in to impulsive buying, without considering the after-effects it may have on their finances in the long run. This study examines how impulsive, swipe-based buying results in financial stress after the purchases. It also investigates whether over-desire for credit mediates this relationship and whether good household budgeting moderates this link.

This model suggests that impulsive swipe spending increases credit dependence, which in turn fuels post-purchase financial stress manifested as repayment pressure, worry, and financial insecurity. It is also hypothesized that sound budgeting at home-re-prepared planning of expenses, saving regularly, and watching debt-may reduce the impact of credit dependence on financial stress. Data will be obtained from a structured questionnaire, and analysis will test direct effects, the mediating role of credit dependence, and the moderating role of budgeting.

The study contributes to consumer finance and behavioural economics by providing a richer understanding of the psychological effects of credit-driven buying. By detailing how budgeting protects against stress, the research also provides some useful ideas for shoppers, financial educators, and policymakers interested in promoting responsible spending and financial well-being in a cashless world.